Vehicle insurance ki puri jankari-Full information of vehicle insurance in hindi

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Namaskar dosto,
Aaj is post mein aap sabhi ko yah batane ja raha hu ki vehicle insurance kya hai ? vehicle insurance karvana kyo jaruri hai.
Kai log mehngi se mehngi gadi kharid lete hai phle saal to insurance karva lete hai lekin jese jese gadi purani hone lagti hai to dhere dhere gadi ke insurance renewal ki taraf se dhyan bhi hatne lagta hai.Aaj is post mein hum aapko vehicle insurance se related puri jankari denge.

Vehicle insurance kya hai ?
Vehicle insurance ko hum simple language mein samjhne ki kosis karte hai, jaise hum aao sabhi apni life to secure karne ke liye life insurance policy lete hai insurance company se taki kabhi kisi bhi prakar ki koi problem aye to hum insurance claim karke insurance company se compensation le sake. ye compensation hume us money value par milta hai to money hum premium ke roop mein deposit karte hai. Vese hi hum apni car or bike ko kisi bhi accident se secure kare ke liye uska bhi insurance karwate hai taki yadi in future koi bhi problem ho to hum insurance claim karke iska compensation le sake.Jb hum insurance karwate hai to policy purchase karte hai us policy ke according hi hum premium bhi deposit karte hai.

Vehicle insurance kyo karvana jaruri hai ?  
vehicle insurance karvana is liye jaruri hai ki yadi koi accident ho jata hai ya bike ke part toot jate hai ya hume chot lag jati hai to aise mein insurance company se claim karke hum compensation pa sakte hai.

1. Accident ho jane par insurance company dwara financial help mil jati hai.
2. Motor Vehicle Act 1988 ke anusar vehicle insurance bahut jaruri hai.
3. Yadi aapne vehicle insurance nahi karaya hai to traffic checking ke time aapki gadi ka challan bhi cut sakta hai.
4. Yadi aapki car or bike chori ho jati hai, to aap FIR karva kar insurance company se claim kar ke compensation bhi pa sakte hai.

Vehicle Chori ho jane par Insurance claim kaise kare.( How to get Insurance claim after Vehicle Theft)

Vehicle insurance kitne type ke hote hai?

India mein vehicle insurance ko 2 part mein divide kiya gya hai.

1. Third party insurance.
2. Full party insurance.

1.Third party insurance kya hai ?
 Maan lijiye yadi aapke vehicle se kisi ka accident ho jata hai aur usko ganbhir chot lagti hai jiske karn uska laeg fracture ho jata hai ya us vyakti ki mrityu ho jati hai to aise mein insurance company dwara us vyakti ko compensation diya jayega jiska accident hua tha. Yadi is accident mein apko choty aati hai to uska compensation insurance company aapko nahi degi.
Aaj kal third party insurance karvana jaruri ho gya hai.

2.Full party insurance kya hai?
Yadi aapne ful party insurance karvaya hai to aise mein agr accident hota hai to uska compensation insurance company dwara hi diya jayega. Isme both party cover hoti hai. Vehicle ke driver aur usme baithe  log aur dusre vehicle ke bhi driver aur logo ke nuksan ka compensation insurance company hi degi.

 vehicle insurance ki fees kya hai ?

Market mein different model ke vehicle aate hai, sabka apna - apna price fixed hota hai. har state mein in vehicle ka price bhi vehicle ke model ke according differ hota hai.
Insurance fees decide karne ka formula hai.

1. Vehicle ki current market price.
2. vehicle ka model.
3. Vehicle register kha par hai.
4. Vehicle kiss year mein bna hai.

Vehicle road accident ke baad Insurance claim kaise kare.( How to claim insurance after vehicle road accident.)

Vehicle Chori ho jane par Insurance claim kaise kare.( How to get Insurance claim after Vehicle Theft)         

Accident Insurance claim kaise kare?

Yadi aapke vehicle ka kisi reason se accident ho jata hai aur financial aur physical damage hota hai  to aise mein aap insurance company se claim karke compensation pa sakte hai lekin uske liye sabse pahle aapko FIR darj karvani hoti hai fir aapko accident claim form bharna hota hai aur vehicle aur vehicle insurance se related document lagane hote hai.

1.  FIR ki original copy.
2. Insurance policy document.
3. Driving licence ki copy.
4. Vehicle repair ki rasid.
5. Third party ke vehicle ki damage ki rasid.
6. yadi vehicle chori ho gya hai to chori hone ki FIR.

Ab jab aap in sabhi document ko claim form ke sath lga kar insurance company mein jma kar dete hai to uske baad company ke adhikari dwara aapke vahan ke accident, chori ho jane ki puri investigation kar ke iski puri report company ko deta hai. Company ke yah yakeen ho jata hai ki yah sahi hai aur unki policy ke hisab se term and condition ka infringement nahi hua hai to, aise mein insurance company claim par compensation de deti hai.

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